Date Received: 2023-01-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: There is a account from Victoria secret thats has been on my report for years I never in my life have opened any account with them like never Ive never even been into a Victoria secret XXXX nothing I have no idea how this got on my credit Ive been working hard to build my credit go form nothing and just recently it took XXXX off of my score and complete put a lot of plans I had in motion on hold and Im furious because Ive disputed this again and again and now its hurt me at a critical time XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: WV
Zip: 26554
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: About a year ago Comenity Bank purchased my XXXX from XXXX 's. Ever since then, if you want to pay more than the minimum payment, you have to speak to a representative and each time go through all of your bank account information to make a payment. It is a business card for us and we want to pay the total balance every month using the automated system. It is a ridiculous waste of time and is in place only to discourage people from paying off their balances and avoiding paying interest charges. They tell you to go pay it from the website but that site never works. It is one delay and stall tactic after another.
Company Response:
State: PA
Zip: 178XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX account thru Commenity Bank was opened in XX/XX/XXXX with initial balance upon opening account. XX/XX/XXXX balance was paid in full. There was no further activity on the account until XXXX in which balance was also paid in full the same month. XX/XX/XXXX I receive a notice via telephone that {$140.00} is due or account will be handed over to collections. XXXX was immediately paid in full. XXXX XXXX I receive notice of XXXX, XXXX, and XXXX day late payments that occurred in XXXX, XXXX, XXXX. I immediately contact company and was advised I was billed in error on XX/XX/XXXX and XX/XX/XXXX. Charges paid were then credited back to me. Commenity bank still refuses to remove late payment reporting from credit report therefore affecting ability to obtain home mortgage.
Company Response:
State: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have not applied for a comenity card. I had fraudulent international charges on this account. I have asked for the charges to be removed-XXXX times in writing. They removed the charges then charged me a late fee. I paid the late fee because I did not want to ruin my credit. Now I get a bill today for {$160.00}. They reinstated the fraudulent charges. They do not answer their phones and they do not respond to my letters
Company Response:
State: MA
Zip: 01844
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened an account with XXXX XXXX XXXX under Comenity Bank. I have had many issues with the company and decided to close my account after having not received my bill and becoming XXXX month behind on my payment. When I called to pay off the account I had a few issues as well. At that time my balance was about {$6000.00}. I couldn't schedule a payment online for this amount because it was too high ( this is what the representative told me ). I only wanted to pay off the account but since I was XXXX month past due they offered to settle the account. I agreed and we scheduled XXXX payments for approximately {$1900.00} each. I was told after this I wouldn't owe anything. After the payments came out my statement showed a balance of {$120.00}. I called a few times about this and the company could not resolve. Then I received a statement around XX/XX/XXXX stating I'd received a credit to my account for {$2200.00}. I called at that time to inquire about a refund. The refund was from XXXX XXXX because they billed us for services ahead of time and we did not go through with the procedure. I was unaware at the time I paid off the account that XXXX would be refunding us and that the refund would go to the credit card. When I called the representative was confused as to where the refund came from but requested a check be sent to us anyway and said this could take XXXX weeks and then XXXX days from then for the check to come. I gave them about a month before calling again to inquire. I called back on XX/XX/XXXX at XXXX and spoke with XXXX XXXX ID # XXXX and he stated the refund request was still pending and he could not do anything to change that. I requested a supervisor and he told me he would not transfer me to XXXX. I waited another month and called again on XX/XX/XXXX at XXXX. I demanded a supervisor and was connected to someone at Comenity Bank. I spoke with XXXX XXXX who said the refund was stuck and she had to look into it. She said she'd call me back rather than me wait on hold and she'd be calling from a XXXX number. I never received a call back. On XX/XX/XXXX I called again at XXXX. I spoke with XXXX a Comenity Bank SR Specialist who requested for XXXX to call me back. After still no return call my husband went to XXXX XXXX for a check up on XX/XX/XXXX and I spoke with a staff member there who called XXXX XXXX on our behalf. I spoke through their phone to XXXX ID # XXXX who said he was with Comenity Bank. XXXX advised me my refund was about to be sent to the state as unclaimed money since they hadn't heard from me. He said he was making sure it wouldn't be sent to the state but that a check would be sent to me. He said I'd receive a check in XXXX days. He said to call back in XXXX days to make sure the check was sent due to the issues I was having. I called back on XX/XX/XXXX at XXXX and spoke with XXXX from Comenity Bank . XXXX told me she had to transfer me to customer care and did. My call was disconnected. I called again at XXXX and spoke with XXXX from Comenity Bank . He said again I had to be transfered to customer care and provided a number to call of XXXX. I called this number and spoke with XXXX with XXXX XXXX. She was unable to answer any questions I asked including what the status of my refund was and left me on hold for over XXXX minutes. I've received statements dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all showing a credit balance of {$2100.00}. I have yet to receive a check for the money I paid. I would like resolution to this.
Company Response:
State: NY
Zip: 127XX
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/XXXX, XXXX XXXX XXXXXXXX accidentally overcharged my BJ 's Mastercard {$80.00} instead of the agreed rate of {$20.00}. They apologized and issued a credit of {$60.00} on XX/XX/XXXX at XXXX XXXX The reference # for the credit is XXXX. The credit never appeared on my Mastercard so I filed a dispute with Comenity Bank ( Bread Financial ) who is the issuer of the BJ 's Mastercard. Comenity did not apply a temporary credit until the dispute is resolved as they had promised. Now they are saying that they have closed the dispute since 60 Days have passed. I do not want the XXXX XXXX XXXX to be charged a charge back fee when they have already provided Comenity Bank proof of the credit that they applied to my Mastercard. Each time I call Comenity Bank ; they will not let me speak to a supervisor. They tell me that the credit will appear on my Mastercard account in 7 - 10 business days but it never appears. I am very concerned because BJ 's XXXX XXXX is fed up with Comenity Bank and is switching to XXXX XXXX on XX/XX/XXXX. I am living off of a very small Social Security benefit and can not afford to lose {$60.00}.
Company Response:
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I received a notice on my XXXX XXXX that my account for CB/Torrid was late. I called the company and told them I paid the balance in full, the gentleman I spoke to on XX/XX/23, stated that there was an interest fee of {$6.00} that was left unpaid. I received NO notification that anything was past due. I didn't get a statement or a phone call. He agreed that they had not called me or sent me a statement and agreed to waive the {$29.00} late fee associated with the charge. He told me I should call the another customer support line to have them fix the error. When I did contact them, the person I spoke with stated they can not fix the error on their end that I would have to dispute it with the credit bureau, which I did. XXXX stated that the company updated other information but did not removed the late payment stating that it was correct. The only notification I received that there was amount owed was when I got the late remark on my credit. I received no credit card statement or phone call. They failed to contact me, the consumer and I feel they are at fought for not doing their due diligence and I should not be held accountable. Also, by recommendation from the representative of CB/Torrid , I was told the way to get it corrected was by disputing the late payment and I did that.
Company Response:
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As I pulled my credit report after having identity theft I notice hard inquires on my report that I never applied or have any knowledge of. On XXXX XXXX XXXX I sent a certified mail letter to a company called Comenity Bank Forever 21 regarding this unauthorized inquiry to my consumer report that took placed on XX/XX/XXXX which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) with Comenity Bank Forever 21. Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. However, I not received back a response from Comenity Bank Forever 21. Nor have I received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed.
Company Response:
State: OH
Zip: 45840
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In XX/XX/2022 I used my credit card to purchase a few things in XX/XX/2022 I thought I paid of credit card in full but turns out I was short XXXX XXXX it took me XXXX months to notice this once I did I paid XXXX dollars to catch my account up to date. After paying them they then decided to go furnish the late payment on my credit report dropping my score severely I've called XXXX times asking/begging them to remove the late payments because I am a survivor of XXXX XXXX and I need to move ASAP for my safety but as of right now I can't because my score dropped so bad please can you guys help me and remove the late payments that were recently added to my report please. Since 15 U.S. CODE 166b so I would very much appreciate it once it's taken off so I can move for my safety
Company Response:
State: CA
Zip: 90011
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A